. >> that's right, educate about the closing process, the application process. >> reporter: andy schnegenberger showed us another neighborhood. first settled by freed slaved after the civil war. today working class families want to move in. schnegenberger directs fon profit groups like resources for communities which guide first-time buyers through the mortgage process. the folks that you typically deal with, give me a sense of who they are? >> so our member organizations work with families that are typically low to moderate income, you know, annual incomes of 30 to 50 to 60,000 dollars a year. >> reporter: the new rules are designed it to pro they can them from risky loans and the banks from borrowers taking a loan they cannot afford. they cap total debt payments at no more than 43% of a borrower's income. mandate a consumer's financial records be verified, ban interest only loans an limit large payments called balloons due at the end of a loan. but schnegenberger is also worried regulators could tinker with the rules by the end of the year. >> concerns about the details, for us, are high cred